The effect of financial knowledge, financial behavior and digital financial capabilities on financial inclusion, financial concern and performance in MSMEs in East Java

Q1 Decision Sciences Uncertain Supply Chain Management Pub Date : 2023-01-01 DOI:10.5267/j.uscm.2023.6.016

Yuliyanti Wulan Sari, Mulyanto Nugroho, Nekky Rahmiyati

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Abstract

This study aims to prove and analyze the effect of financial knowledge, financial behavior, and digital financial capabilities on financial inclusion, financial concern, and performance in Small and Medium Enterprises (SMEs) in East Java. The population used in this study was 1,387,854 Micro, Small and Medium sized Enterprises (MSMEs) actors in East Java, which is located in the Gerbangk ertasusila area. The sample in this study were 395 respondents who were determined by the non-probability sampling method. In this study a questionnaire research instrument was used, namely a set of questions answered to respondents to obtain written information related to research variables and used the Structural Equation Modeling (SEM) analysis technique. The results of the study show that: (1) Financial knowledge has a significant effect on financial inclusion, (2) Financial behavior has a significant effect on financial inclusion, (3) Digital financial capability has a significant effect on financial inclusion, (4) ) Financial inclusion has no significant effect on financial problems, (5) Financial knowledge has a significant effect on financial concerns, (6) Financial behavior has a positive and significant effect on financial concerns, (7) Digital financial capability has a significant effect on financial concern, (8) Financial knowledge has an insignificant effect on MSME performance, (9) Financial Behavior has no significant effect on MSME performance, (10) Digital financial capability has no significant effect on MSME performance, (11) Financial inclusion has a positive and significant effect on MSME performance. (12) Financial concern has a positive and significant effect on MSME performance.

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金融知识、金融行为和数字金融能力对东爪哇中小微企业金融普惠、金融关注和绩效的影响

本研究旨在证明和分析金融知识、金融行为和数字金融能力对东爪哇中小企业(sme)金融普惠、金融关注和绩效的影响。本研究使用的人口是位于gerbank ertasusila地区的东爪哇的1,387,854名中小微企业(MSMEs)参与者。本研究样本为395人，采用非概率抽样方法确定。本研究采用问卷调查的研究工具，即向被调查者提供一组问题，以获得与研究变量相关的书面信息，并采用结构方程模型(SEM)分析技术。研究结果表明:(1)金融知识对普惠金融有显著影响，(2)金融行为对普惠金融有显著影响，(3)数字金融能力对普惠金融有显著影响，(4)普惠金融对金融问题无显著影响，(5)金融知识对金融关注有显著影响，(6)金融行为对金融关注有显著正向影响。(7)数字金融能力对财务关注有显著影响，(8)金融知识对中小微企业绩效影响不显著，(9)金融行为对中小微企业绩效无显著影响，(10)数字金融能力对中小微企业绩效无显著影响，(11)金融普惠对中小微企业绩效有显著正向影响。(12)财务关注对中小微企业绩效有显著的正向影响。

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来源期刊

Uncertain Supply Chain Management Decision Sciences-Statistics, Probability and Uncertainty

CiteScore

5.60

自引率

0.00%

发文量

112

期刊介绍： Supply chain management (SCM) plays an essential role in managing the movement of raw materials into an organization, certain issues of the internal processing of materials into finished goods, and the movement of finished products out of the organization for end-consumer delivery. The goal of SCM is to improve trust and collaboration among supply chain partners and to improve inventory visibility. However, many SCM problems deal with uncertain events such as uncertainty in demand, supply, quality, price, etc. This forum is dedicated to all scholars who wish to share their ideas about uncertainty in SCM problems. Uncertain supply chain management is a quarterly publication dedicated to all scientists in all over the world who wish to share their experiences and knowledge in this field. Our policy is to perform a peer review on all submitted articles and publishes original and high quality articles.